Fees & charges
| Joining fee | ₹1,499 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,499 + applicable taxes |
| Renewal-fee waiver | ₹3 lakh/year |
| Network | VISARuPay Visa or RuPay (both variants offered) |
Rewards & benefits
| Reward rate | 5% back as NeuCoins on Tata Neu & partner brands; 1.5% on other spends; RuPay variant adds 0.50% on UPI spends + 1% on UPI via Tata Neu UPI ID |
|---|---|
| Welcome benefit | 1,499 NeuCoins (reversal of 1st-year membership fee), credited on 1st transaction within 30 days of card issuance |
| Lounge access | Domestic: milestone-based — 2 complimentary lounge vouchers per calendar quarter on ₹50,000 spend that quarter (up to 8/year). International: 4 complimentary accesses per year (1/quarter) on the RuPay variant |
| Key benefits | 5% NeuCoins on Tata Neu/partner brands + 1.5% everywhere, milestone-based domestic + RuPay international lounge access, and full first-year-fee reversal via welcome NeuCoins |
Eligibility & status
| Eligibility / income | Salaried: min ₹1 lakh/month; Self-employed: min ₹12 lakh/year; age 21+ (max 60 salaried / 65 self-employed), Indian resident |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 1,499MITC v4.3, fee table L187-197 | ₹1,499 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹3 Lakh / AnnumMITC v4.3, fee table L187-197 | ₹3 lakh/year | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycleMITC v4.3, fee table L187-197 | NOT STATED | • |
| Forex markup | Not clearly printed in the fee table (merged/blank cell)MITC v4.3, fee table L187-197 | NOT STATED | |
| Reward rate | Not in MITC (product term) | 5% back as NeuCoins on Tata Neu & partner brands; 1.5% on other spends; RuPay variant adds 0.50% on UPI spends + 1% on UPI via Tata Neu UPI ID | • |
| Welcome benefit | Not in MITC | 1,499 NeuCoins (reversal of 1st-year membership fee), credited on 1st transaction within 30 days of card issuance | • |
| Lounge access | Not in MITC | Domestic: milestone-based — 2 complimentary lounge vouchers per calendar quarter on ₹50,000 spend that quarter (up to 8/year). International: 4 complimentary accesses per year (1/quarter) on the RuPay variant | • |
| Eligibility | Not in MITC | Salaried: min ₹1 lakh/month; Self-employed: min ₹12 lakh/year; age 21+ (max 60 salaried / 65 self-employed), Indian resident | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Extraordinary Rewards. Ready for You.
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